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Beacon Agency offers the Mississippi Gulf Coast area best value risk management services including: Property and Casualty Insurance for home, auto, motorcycle, RV and boat; Commercial General Liability and Workers Compensation insurance; Bonding and Notary Public services.


Vehicle Coverage

Mendota Auto InsuranceAccess Auto InsuranceDairyland Auto & Motorcycle InsuranceProgressive Drive InsuranceACCC Auto InsuranceForemost Auto Insurance


Home Coverage

Foremost Home InsuranceMendota FloodFidelity FloodMississippi WindstormMississippi Residential


 

Mississippi Windstorm Retrofit Mitigation Program

Retrofit mitigation are things that can be done to existing dwelling structures to help protect the structure from loss due to windstorm or hail.

There are three groups with various items that shall be done in order to receive credit. This program is a three step program, each item in a particular group must be completed in order to receive credit for that group. Also Group A must be fully completed in order to obtain credit from any other group.  The groups are as follows:

Group A Roof System (17% Credit)   Details [PDF]
  1. Roof Wall Connection    
  2. Collar - Tie / Ridge Board Connection    
  3. Hip Rafter Connection    
  4. Gable End Bracing    
  5. Soffit Protection    
  6. Roof Sheathing Reinforcement/Underlayment  
       (a)When not replacing the roof cover have a closed-cell, urethane-based adhesive foam applied to joints between roof sheathing and all structural members (on both sides of the members) and along any joints between sheathing panels.
       (b)When replacing the roof cover apply a high-wind rated roof cover that meets wind speed requirements for the site.

*Note - Properly installed pre-engineered trusses will eliminate the need for items 2 & 3.

All items in Group A must be completed in order to receive the listed credit or receive credit from any other group.

Group B Opening Protection (6% Credit)   Details [PDF]
  1. Windows    
  2. Doors    
  3. Garage Doors    

*Note - Properly installed engineered shutters may receive an additional 2% credit.

All items in Group B must be completed in order to receive the listed credit.

Group C Hazards (5% Credit)   Details [PDF]
  1. Clear all overhanging limbs
  2. Clear all trees greater than 15 feet tall and within 15 feet of the subject structure.

All items in Group C must be completed in order to receive the listed credit.

In addition to the mitigation costs there is a $250 non-refundable inspection fee payable to the MWUA. This fee will pay for an inspection of the property by an approved licensed engineer.

 


 

Homeowner Flood Insurance Affordability Act of 2014

On March 21, 2014, President Obama signed the Homeowner Flood Insurance Affordability Act of 2014 into law.
 
This law repeals and modifies certain provisions of the Biggert-Waters Flood Insurance Reform Act, which was enacted in 2012, and makes additional program changes to other aspects of the program not covered by that Act. Many provisions of the Biggert-Waters Flood Insurance Reform Act remain and are still being implemented.

HFIAA requires gradual rate increases of 5% to 15% on properties now receiving subsidized rates instead of immediate increases to full risk rates as happened under Biggart-Waters. These gradual rates start October 1, 2014. However there are exceptions to these general rules and limitations also. Older commercial properties, non-residential properties, severe repetitive loss properties and buildings that have been severely damaged that now have subsidized rates will continue to see up to a 25% annual increase until they reach their full risk rate.

Contact Beacon Agency to find out how these changes impact you.

 


 

About Beacon Agency

In this age of high tech gadgets, it is tempting to conclude that you no longer need an insurance agent for your insurance needs. On the other hand it is probable you will need an insurance agent more than ever. Unless you have the time to study all of your options to become an expert you could be outsmarted by your smartphone!

Your agent is like a trained personal assistant willing to guide you in dealing with any insurance question in the vast array of options available in the insurance field. Computers answer the question you pose. The key to the best answer is asking the right question and knowing where to find the best answer. Computers and phone apps are best used to connect you. Insurance agents serve you with experience and knowledge to obtain the best coverage your hard earned dollar can buy.

Our lighthouse logo symbolizes our commitment to guide your insurance decisions. As an independent insurance agency, we write insurance for multiple A+ rated insurance companies. We focus on your best interests including coverage and cost to find you the best deal that suits your needs. We are customer oriented and strive to find better ways to serve you.

The true test for any insurance product is: Will you be made whole after a claim? A lot of people learned valuable lessons after Hurricane Katrina. As your insurance agent we pledge to protect your interest first. Your questions and concerns are paramount.